В данном тексте я описываю свой подход к управлению личными финансами.
Ровно 10 лет назад, в августе 2013 года, я обнаружил, что мне не хватает денег до зарплаты. Это было связано с тем, что я стал жить не один, и это резко изменило соотношение текущих доходов и расходов. Оказалось, что я к этому был не готов. Мне пришлось одолжить небольшую сумму у начальника. Тогда я решил, что приложу все усилия к тому, чтобы у меня больше никогда в жизни не возникла подобная ситуация.
Я начал изучать финансовую грамотность и стал постепенно вырабатывать подход, которым и хочу поделиться. Думаю, многие элементы из этого подходы хорошо известны многим, а для кого-то открытий будет больше.
На данный момент мой подход (я называю его TriUnity) позволил мне 10 лет жить без долгов, регулярно создавать сбережения, не бояться «черного дня», не бояться размера государственной пенсии, оплачивать интересующее меня обучение и выходить на годовую доходность выше депозитной.
Надеюсь, что описанный подход может оказаться полезным для создания благосостояния.
ВВЕДЕНИЕ
Три вида капитала
Одним из важнейших аспектов финансовой грамотности, на мой взгляд, является понимание того, что грамотный путь к индивидуальному благосостоянию заключается в управлении тремя видами капитала: текущим, резервным и инвестиционным. Разделение имеющегося капитала на три этих вида и определение похода к каждому из них является первым шагом на непростом пути. И в отличие от игры «Умники и умницы», идти придется сразу по трем дорожкам: красной текущей, желтой резервной и зеленой инвестиционной.
Текущий капитал я обозначаю красным цветом, поскольку его наличие имеет критическое значение, без него человек не может самостоятельно удовлетворить свои базовые потребности, а зависимость от других в таких вещах как питание или крыша над головой, это категорически неприемлемый риск для грамотного человека.
Резервный капитал я обозначаю желтым цветом, поскольку он позволяет чувствовать себя достаточно приятно, уверенно, без страха, но его плоды явно не столь велики, чтобы их можно было бы назвать большим состоянием. Настоящее финансовое благополучие достигается только на зеленой дорожке.
Инвестиционный капитал я обозначаю зеленым цветом, именно здесь лежит успех. Итак, сформулируем первую максиму (принцип, следуя которому, я бы хотел, чтобы все тоже так делали).
Максима №1: Разделяй капитал на три вида: текущий, резервный, инвестиционный.
Каждый из трех выделенных видов капитала имеет свои цели.
Цели текущего капитала:
– Удовлетворение потребностей сегодняшнего дня
– Создание сбережений
Цели резервного капитала:
– Защита текущего капитала
– Удовлетворение потребностей завтрашнего дня
– Создание инвестиционного капитала
Цель инвестиционного капитала:
– Преумножение личного капитала
Как можно видеть, цели трех видов капитала не равнозначны, это нарастающие цели, а путь к благосостоянию – это путь от малого к большому. Достигая одну цель, мы открываем новую, но достигнутая должна остаться с нами навсегда. Этот набор целей иерархичен, это лестница, на которой опасно перепрыгивать через ступеньки: сначала нужно уверенно стать на ступеньки управления текущим капиталом, затем резервным, и лишь на самой вершине находится ступенька инвестиций, которые преумножат имеющийся капитал до уровня высокого благосостояния.
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)
Периодически я встречаю людей, которые пытаются заняться инвестированием или предпринимательством, не имея «подушки безопасности» и, более того, даже никогда не задумывавшиеся о том, чтобы управлять своими средствами по какой-либо системе или хотя бы вести учет доходов и расходов. Они загораются какой-либо инвестиционной идеей, например, приобретением криптовалюты или покупкой чудо-робота для торговли на валютном рынке. К сожалению, все заканчивается с точки зрения финансового результата плачевно, поскольку они нарушают следующий важный принцип:
Максима №2: Управляй каждым видом капитала в соответствии с его целями. Не пытайся достигать более высокие цели, пока не достигнешь более простые.